TPT Triple Plus Rank #291

Triple Plus is a decentralised trade finance protocol deployed on the Polygon network, designed to convert business receivables into on-chain liquidity. The platform sits at the intersection of decentralised finance and real-world asset tokenisation, targeting the working capital challenges that small and medium enterprises face when waiting 30 to 180 days for invoices, purchase orders, and similar trade documents to be paid. The protocol's core function is straightforward discounting of receivables. A business holding an invoice lists it on the platform below its face value, and investors supply capital by purchasing the receivable. Once the underlying payment matures, the investor collects the full face value and earns the difference as yield, while the seller gains immediate working capital without engaging traditional factoring intermediaries. Smart contracts coordinate the workflow, handling escrow, settlement, and the distribution of returns. By moving these processes on-chain, the project aims to lower costs and broaden access compared with conventional trade finance channels, while offering investors yield derived from tangible commercial cash flows rather than purely crypto-native sources.